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Question about tracking updates to your file

Moderator Emeritus

Re: Question about tracking updates to your file


Jutz wrote:

EIDT looks pretty good, 13 bucks a month for unlmited 3in1 pulls, if I'm interpreting the website correctly.


Sounds right. I had them and cancelled about a year ago or so. I just didn't have a need to monitor daily like I did when I was rebuilding. The report format looks like the old TrueCredit if you had them. Downsides include tooooo many windows just to log on (you have to sign into 3 windows just to gain access to your reports) and once you cancel, they'll ban you from re-registering for a year which I think is pretty stupid.

Message 11 of 24
Valued Contributor

Re: Question about tracking updates to your file

Just signed up for EIDT, apparently this:

 


Individual Plan - Monthly Plan

Start your total protection today and receive the detection, monitoring, restoration, and reimbursement coverage immediately


 

Actually means this:

 


It takes two business days to process new memberships.


 

 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 12 of 24
Community Leader
Legendary Contributor

Re: Question about tracking updates to your file

Have you used up your free report once every 12 months with each CRA?

If not, then a free pull at annualcreditreport.com would be available........

Message 13 of 24
Valued Contributor

Re: Question about tracking updates to your file


RobertEG wrote:

Have you used up your free report once every 12 months with each CRA?

If not, then a free pull at annualcreditreport.com would be available........


Yeah, I think I have until May for the 12 month rolling to be up.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 14 of 24
Valued Contributor

Re: Question about tracking updates to your file

When ever I had a dispute and an item was deleted or updated EX sends a confirmation email with your confirmation # You go onto there site with that number and you will be able to see your credit file. They also sent in the mail a new credit report that reflected the changes.


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 15 of 24
Established Member

Re: Question about tracking updates to your file

This is a good question. I'm really about to get in the rebuilding and I want to make sure these things are being deleted too. USAA do you have to be a member of the armed forces to get that account. I would like to but when I went on the site yesterday it gave me that impression. Yay or Nay? 

Message 16 of 24
Valued Contributor

Re: Question about tracking updates to your file

You don't even need to be a member of the armed services to be a member at USAA.  You're just limited to the basic products (Checking, savings, some investment accounts, some credit cards).  You can definitely get credit monitoring without serving.  I'm still waiting on my eliminateidtheft.com membership to come through.  Unlimited pulls for 13 bucks seems almost too good to be true

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 17 of 24
Established Member

Re: Question about tracking updates to your file

Update on how you like it please when you can. I'm trying to pick the best one. That sounds like the better deal since you get unlimited pulls which USAA is not offering anymore. 

Message 18 of 24
Valued Contributor

Re: Question about tracking updates to your file

Will do.  If you have the time, try calling into USAA and asking if they can still offer the unlimited pulls.  Some people were able to get that done

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 19 of 24
Valued Contributor

Re: Question about tracking updates to your file

Update:

 

Despite the EIDT website and system seemingly being from 1999, it's effective.  I called in and got my membership info early, logged on and immediately got my triple report.  The scores are comically inaccurate, but that's not what I'm there for anyway.  In the excitement, I noticed that a stubborn collection that I thought was stuck just on EX actually fell off!  I have no idea why, but it's paid so I have no reason to believe it will return.  Maybe my barrage of GW emails and letters and disputes finally made them do the math on what it was costing them to keep telling me no.

 

Either way, I'm pleased so far with the product.  I actually thought I would be annoyed by the triple report, but in actuality, it allows me to quickly skim for differences between the two bureaus.  For instance:

 

VZW NEMore about this account >>  
unkownTransUnion Experian Equifax
  Account #:************************ ************************ 
  Condition:Paid Derogatory
  Balance:$0 $0
  Type:Utility company  
  Pay Status:Collection/Chargeoff 

Collection/Chargeoff

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 20 of 24